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Loan calculator

How much can I borrow?

The same limits a bank or HDB applies: how much of your income can go to repayments, how much of the price they'll lend, and how long the loan can run. Nothing you type leaves this page.

What you're buying
Property
Loan from
Add a price to see the downpayment and stamp duty.
Who's borrowing

First borrower

Your yearly bonus or commission divided by 12. Banks count only 70% of it.

Second borrower

Your yearly bonus or commission divided by 12. Banks count only 70% of it.
What you already owe
Car loan, personal loans, credit card minimums. Both borrowers together.
Home loans you'll still have after this purchase
If you buy before you sell, your current home loan still counts.

Rules as at 2 Oct 2026:TDSR 55% and 4% stress-test rate (MAS) ·MSR 30% (MAS) ·loan-to-value and tenure (MAS) ·HDB loan rate (HDB) ·buyer's stamp duty (IRAS). HDB loans: 75% of the price, up to 25 years, with eligibility worked out at a 3% rate. HDB's own eligibility letter (HFE) is the final word for an HDB loan.